// Financing
Financing for Tires & Auto Repair at Every Mitchem Tire Location
New tires, brakes, an alignment, a check-engine light you’ve been ignoring—whatever your vehicle needs, you don’t have to pay for it all at once. Mitchem Tire offers financing on every product and service we sell, at all six of our locations, through three trusted lenders: CFNA, Synchrony, and Snap Finance.
// Apply Now
Three Ways to Finance Your Tires or Service
Every Mitchem Tire location accepts CFNA, Synchrony, and Snap Finance, so you can pick the option that fits your budget and credit, then apply in minutes.
Backed by Bridgestone, the CFNA card is built for tire and auto service purchases. It carries no annual fee, offers promotional financing on qualifying purchases, and lets you spread out the cost of tires, brakes, maintenance, and repairs across manageable monthly payments.
Best for: Customers who want a dedicated auto-care card with no annual fee and are comfortable with a standard credit approval process.
The Synchrony Car Care card (Continental Tire) is accepted well beyond our shops — at hundreds of thousands of locations nationwide for gas, parts, and other auto services. It’s a good fit if you want one card that covers your whole vehicle budget, not just today’s visit, and offers promotional no-interest financing when you pay off qualifying purchases within the promotional window.
Best for: Customers who want a card they’ll keep using on gas, parts, and repairs after they leave Mitchem — not just a one-time purchase card.
Snap Finance offers lease-to-own financing with no credit history required. If your credit isn’t where you’d like it to be — or you simply don’t have much credit history yet — Snap gives you a fast decision (often in seconds) and lets you drive away on new tires or get that repair done today, then pay it off over time.
Best for: Customers who’ve been declined elsewhere, want a decision that doesn’t hinge on a traditional credit check, or need same-day approval.
Not Sure Which One's Right for You?
Each lender works a little differently — one’s a dedicated auto card, one goes further than just our shop, and one skips the traditional credit check altogether. Here’s a quick side-by-side to help you decide before you apply.
| CFNA | Synchrony | Snap | |
|---|---|---|---|
| Best for | Dedicated tire/auto card, no annual fee | Limited or no credit history | One card for gas, parts & repairs everywhere |
| Credit check | Standard credit approval | Standard credit approval | No traditional credit check |
| Where else it works | Bridgestone-family retailers nationwide | 700,000+ locations incl. gas stations | Snap Finance retail partners |
| Good for | Planned purchases, repeat customers | Customers who want ongoing flexibility | Getting back on the road today |
// Financing FAQs
Frequently Asked Questions
Can I use financing for auto repairs, or only tires?
Financing through CFNA, Synchrony, or Snap Finance can be used toward tires, brakes, alignments, batteries, oil changes, and any other service we offer.
Does financing work at all Mitchem Tire locations?
Yes. All three financing options are available at every location: Springfield (Campbell Ave and Kearney St.), Branson, Ozark, Nixa, and Republic.
Will applying hurt my credit score?
It depends on the lender. CFNA and Synchrony run a standard credit check, which may involve a hard inquiry. Snap Finance doesn’t use a traditional credit check to approve applicants. Ask your lender directly, or check their site, for details before applying.
How fast can I get approved?
Most applications for all three lenders can be completed online or in-store and return a decision within minutes.
What if I have bad credit or no credit history?
Snap Finance is built for that situation — approval isn’t based on a traditional credit score, and most applicants get a decision in seconds.
Is there a minimum purchase amount?
Each lender sets its own minimum for promotional (no-interest) financing offers. Check the current terms on each lender’s site, or ask our team when you visit — we can walk you through what qualifies.
Can I still pay with cash, debit, or a regular credit card?
Absolutely! Financing is an option, not a requirement. We accept all standard payment methods too.
Do you ever run special financing promotions?
Yes! Check our Specials page for current offers, which may include limited-time 0% interest periods or bonus rewards from CFNA or Synchrony.